Home Insurance

We find you the insurance you need at just the right price!

The right Home Insurance policy will Protect your most valuable asset. Serving Long Island and all of New York.

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Spirit Insurance provides the best Homeowners, Renters and Condo Insurance for Residents in New York.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Maintenance-related problems are the homeowners' responsibility.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. It only takes a few minutes to fill out the E-quote form and we will make every effort to insure that you are insured for your home.

  • Home insurance

  • Renter’s and condo insurance

  • Flood insurance

  • Umbrella policies

Condo Insurance

Condo insurance, also known as condominium insurance, is a type of insurance coverage designed specifically for condominium owners in New York. Condo insurance provides protection for both the structure of the individual condo unit and the personal belongings of the unit owner. While the condominium association typically carries a master policy that covers the building's common areas and exterior, it is important for individual condo owners to have their own insurance to protect their personal property and any improvements made within their unit.

Renters Insurance

Also known as tenants insurance, renters insurance covers your personal belongings and provides liability coverage when you’re living in an apartment, house or condo that you don’t own. Some landlords require proof of renters insurance before you sign a lease, or within a certain time period.

Affordable renters insurance can cover everything from your couch to your favorite coffee mug. You may save even more when you combine the purchase of renters with auto insurance policies.

Mobile Home Insurance

Your home represents a significant financial and emotional investment — protecting it takes careful research. Our agents can help you choose the coverage you'll feel good about.

Mobile home insurance, also known as manufactured home insurance, is a lot like homeowners insurance. It provides financial protection in the event that your home is damaged. While it’s not required by law, mortgage companies and mobile home communities often require that homeowners purchase mobile home insurance coverage.

The exact coverage that a mobile home insurance policy provides depends on the policy you purchase, but policies typically protect:

  • Your home
  • Personal belongings
  • Liability coverage

Policies can vary in price and coverages. Talk to us today to get the right policy for you and your family at just the right price.

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